Private money lending has traditionally been a fragmented and highly subjective space, often requiring mortgage brokers to track down individual investors or boutique firms with inconsistent underwriting standards and uncertain execution. This structure can slow transactions, create unnecessary friction, and jeopardize otherwise solid deals.
Mortgage Vintage, Inc. was built to remove these obstacles. We serve as a reliable, institutional-style private money lender focused on equity-based residential loans, providing brokers and borrowers with a consistent source of capital backed by clear, common-sense underwriting guidelines. By standardizing our process and decision-making, we reduce uncertainty and deliver predictable outcomes—deal after deal.
Mortgage Vintage fills the financing gap created by restrictive federal lending standards. We provide timely liquidity to borrowers who may be impacted by lengthy bank approval timelines, debt-to-income limitations, tax return complexity, or credit profile nuances, even when strong equity and a viable exit strategy are present. Our programs are designed to support real-world borrowers and real-world transactions.
For mortgage brokers, this means:
- Faster decisions
- Clear loan parameters
- Direct access to decision-makers
- A dependable capital partner that closes
For borrowers, it means:
- Speed and certainty of execution
- Flexible loan structures
- Solutions when traditional lenders say no
Founded in 2009, Mortgage Vintage has spent more than a decade supporting brokers, borrowers, neighborhoods, and families through responsible private money lending. As we continue to grow, our focus remains the same: delivering capital efficiently, transparently, and reliably—so good deals don’t get lost in the process.
Management Team
Sandy MacDougall, President and Founder, brings a wealth of financial services and technology expertise to Mortgage Vintage, Inc. and CrowdTrustDeed.
At Mortgage Vintage, Sandy specializes in originating residential and commercial business purpose real estate loans in California. At CrowdTrustDeed he provides an online marketplace for Trust Deed investors.
Sandy leverages over 35 years of successful Financial Services and Real Estate Industry expertise including over 25 years of experience in the Lending Industry. Sandy and his team have originated more than 590 private money loans totaling over $150 Million in original balances. Mortgage Vintage services more than $51 Million in Loans and Lenders now receive over $4.50 million per year in interest payments from their Trust Deed Investments that receive a 10% yield on average.
These hard money loans and subsequent Trust Deed Investments are primarily based on equity in the property. Loans are secured by Deeds of Trust on real estate and are further secured by a promissory note and personal guarantee. Sandy provides a win-win-win scenario with brokers, borrowers and investors and works closely with all parties to ensure a secure, fast and professional transaction. Sandy always focuses on customer service and his clients can count on a strong commitment to the highest standards of compliance, origination, underwriting and servicing.
Sandy has orchestrated hundreds of real estate transactions throughout his career on residential, multi-family and commercial properties. Whether the transaction involved a property sale, lease or a loan, Sandy understands the needs of his clients and secures the best solution available. His unique approach to financing with private capital allows speed and flexibility that traditional banking environments cannot provide.
Sandy launched his successful sales and marketing career with IBM and spearheaded many strategic software solution sales to large multi-national Banking clients including Citibank and Union Bank. After IBM, Sandy enjoyed a successful career as a Commercial Real Estate Broker with the World’s largest Commercial Real Estate Firm, CBRE. CBRE sent Sandy to Mexico City to facilitate a newly formed Joint Venture that aimed to take advantage of the new North American Free Trade Agreement (NAFTA). Sandy used his fluent Spanish language skills, leadership, technical prowess and energy to negotiate large office lease and sale transactions in the Capital of Mexico.
After returning to the U.S.A. Sandy capitalized on his international experience and sold banking software systems for Visa International. With the emergence of the Internet, Sandy transitioned into Internet Banking Systems sales followed by a successful career in Mortgage Software business development. While working for mortgage industry behemoths including Fidelity National Information Services (NYSE: FIS) and First American (NYSE: FAF), Sandy developed expertise across the entire mortgage lending spectrum from Origination to Underwriting to Servicing to Capital Markets. Sandy’s previous clients include: Wells Fargo, Bank of America, Citibank, JP Morgan Chase, ING Direct and Union Bank.
For borrowers, Sandy and Mortgage Vintage have developed a variety of hard money loan programs that fit in the seams of conventional loans. Whether the borrower needs financing to fix and flip, fix and rent or supplement his/her business, Sandy and his team provide a fast and professional loan.
On the Lender side, Sandy founded and launched CrowdTrustDeed on January 1, 2015. CrowdTrustDeed is a crowdfunding solution for real estate financing that brings together borrowers and lenders through a simple online interface. CTD’s goal is to solve the problem of inefficient, fragmented, and opaque real estate lending by using technology, data-driven processes, and expert human touch to create transparency and efficiently underwrite projects. CrowdTrustDeed fills the void in between slow, over-regulated banks, and hard money lenders that cannot supply timely or consistent sources of capital. The transparent, simple and efficient solution allows qualified investors to easily diversify their funds while giving borrowers reliable access to funds for rehabilitating properties in need.
The Trust Deeds sold on CrowdTrustDeed earn exceptional rates of interest and can be either short or long term. Investors are provided with the Promissory Note, Deed of Trust and other documents to give them peace of mind that their investment is secure. All loans are serviced through a nationally recognized licensed, bonded and insured loan servicing company. Investors get their payments quickly with ACH deposits that go directly into an investor’s account.
Sandy is honored to have been elected to serve the California Mortgage Association (www.californiamortgageassociation.org) on their 2019-2022 Board of Directors. He looks forward to contributing to this tremendous Private Money Lender Educational and Legislative trade organization. Sandy also serves on the CMA Education Committee and has developed and presented industry leading presentations at multiple CMA Seminars.
Sandy graduated from UCLA and earned a BA in Business Economics. Sandy has Volunteered many years for the Hoag Classic Golf Tournament in Newport Beach which benefits Hoag Hospital. Sandy enjoys golf, tennis, skiing, surfing, Mariners Church and time with his family including his wife Sharon, daughter Lexie and son Nicholas.
CALBRE #01870605
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At Mortgage Vintage, Michael oversees loan operations, underwriting discipline, compliance workflows, and fund control execution across residential and commercial business-purpose real estate loans throughout California. His role centers on aligning borrower intent, collateral quality, and investor protection — ensuring that each transaction is structurally sound, legally defensible, and operationally executable.
